264 posts tagged with financial.
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How to choose the term on my new loan, considering my other loans.

Financial-advice-filter. I am about to pick up a auto loan and I have a few choices re: rates and term length. Before we get in to numbers, I'm trying to determine what term of loan to take on the lower-interest loan to maximize my money, assuming the same amount of money put aside by me. Thanks for reading! [more inside]
posted by bbqturtle on Oct 23, 2015 - 14 answers

Help me find a IT BRM Certification for the financial/banking industry

Our organization is introducing the Customer Success Manager role, and after getting the "Industry Standards" certifications (ITIL Expert, CGEIT, TOGAF), our boss has asked us to suggest where to go next. I´m looking for a value realization certification (a la BRM) to help our customers get the most bang for their money and at the same time, help our company to increase its business and specially contract renewals. Can you help me out? (More after the jump). [more inside]
posted by Matrod on Oct 6, 2015 - 1 answer

Fire in apartment below--rebuilding/insurance questions

[Asking for a friend] My building had a fire last night, on the floor below mine. I have middling fire damage at baseboard level in both bedrooms, both of which will be uninhabitable until the damage is ripped out and redone. All my windows are broken and glass is everywhere, but aside from the above stuff and the overwhelming odor of smoke and my broken-down front door, there is no other (water or fire or smoke stain) damage to the apartment. This is in NYC, and I have no renter's insurance. [more inside]
posted by grobstein on Aug 22, 2015 - 9 answers

Helping a Friend in Need: What Are the Limits?

A close friend of mine is going through some difficult financial times. I want to help as much as I can--and I have for a while now. But I'm worried that he's beginning to see me as an ATM and I'm beginning to feel guilty about saying no or putting limits on how much I will give. I need suggestions on how to draw an appropriate boundary between being helpful yet also not feeling used. [more inside]
posted by Quaversalis on Jul 14, 2015 - 22 answers

Holiday in a financially troubled country?

Have you ever travelled to a country in the aftermath of an economic crisis or default? What was it like? Could you tell anything was different as a tourist? [more inside]
posted by smackfu on Jun 29, 2015 - 16 answers

Is there a way to get out of this headache?

So basically I'm wondering what the options are for someone with loans and other debt who needs a financial manager or advisor. I have recently become employed for a new company and while things are going well in that, I want to know where I can find someone to figure out my financial situation including calling debtors to find out exact amounts owed. I find it personally very emotionally difficult to do and it would be great if I could get help in doing that. [more inside]
posted by antgly on Jun 25, 2015 - 8 answers

FOIA or not?

Federal agencies that are fully taxpayer funded are subject to public records requests under the Freedom of Information Act (FOIA). If a non-profit receives money from the federal government, are the records of that non profit subject to FOIA?
posted by CollectiveMind on Jun 16, 2015 - 2 answers

College loans for buying property?

Does anyone have experience using college loans for buying property to live in while attending school? I'm looking at buying a 2-5 acres for about $25,000 to $40,000, putting up a DIY cabin shed in lieu of throwing all my money at rent over the next 3 years. [more inside]
posted by caveatz on Mar 26, 2015 - 12 answers

Financially supporting my ex-spouse - what's fair?

Please help me come up with some ideas about what kind of spousal support is fair. I've been the primary breadwinner, but he has NOT been home with the kids. [more inside]
posted by puppet du sock on Feb 22, 2015 - 36 answers

Love & Money: I have some / they have lots.

I am not even sure how to pose this question – it’s a jumble of feelings I am rather embarrassed about -- and money. [more inside]
posted by anonymous on Feb 4, 2015 - 19 answers

Help me figure out what to do?

So I have a job, and I work freelance design on the side. Due to several circumstances in the past month, I have less than half of this month's rent and the direct withdrawal of the rent is scheduled for tomorrow morning. What can I do? [more inside]
posted by cyrusw8 on Feb 1, 2015 - 18 answers

Is financial issues in a relationship a deal breaker?

Been in a relationship with my partner for 2 years. I'm 26 and he is 28. We don't live together yet but have talked about it a couple of times throughout our relationship along with talking about having children. I make more money than him but he refuses to let me pay for dates, so we don't do as much as I would like to. He is responsible with money but barely has any disposable income. His expenses seem to be much higher than mine. Are financial issues a deal breaker in a relationship? [more inside]
posted by ruebeignet on Jan 30, 2015 - 31 answers

What kind of (financial) professional do I need to see for advice?

We are trying to decide whether to stay in our home and send our kids to private school, or to move. We need some help to run the numbers and different scenarios. [more inside]
posted by vignettist on Jan 21, 2015 - 7 answers

Do I need a financial advisor, or an attorney?

I am in need of some real guidance! I am up to my eyeballs in debt... have alittle equity in my home (I think) and i own one of my cars... So i need someone who can help me by assessing my overall situation & advise me the best way to proceed forward. [more inside]
posted by foodybat on Jan 16, 2015 - 18 answers

How much revenue should a nonprofit carry over at year end?

I do development for a nonprofit whose budget is roughly $1 million. Last year, I raised about a quarter million more than we projected and I just saw that almost the full quarter million was unspent at the end of the year. Is it normal for a nonprofit to carry over this much as a hedge against fundraising uncertainties? [more inside]
posted by vegsister on Dec 9, 2014 - 6 answers

Can you turn these variables into something like a plan?

Help me take these numbers and variables and work them into a planning/predictive equation. [more inside]
posted by Calicatt on Dec 6, 2014 - 5 answers

Considering Real Estate investment options, help me decide?

I'm considering buying residential property to rent out, either in Portland, ME or Orlando, FL. Quite different scenarios, so the decision isn't really apples-to-apples. [more inside]
posted by pinkbungalow on Nov 1, 2014 - 6 answers

I have 1k and I'd like to double it safely

How do you take 1,000 dollars and make it into 2,000 safely and soundly? [more inside]
posted by Hands of Manos on Oct 5, 2014 - 25 answers

Seeking fee-based financial advisor in Seattle

I have read all the AskMe answers describing why a fee-based financial advisor is the way to go. The Mr and I want to get advice on planning to pay off our credit cards, save for a home, and plan for retirement in the next 20 years (we are approaching 50). Can you recommend any good financial advisors in the Seattle area that you or someone close to you has worked with? If it would help figure out if someone is a culture fit, we are Gen Xers both from income-strapped childhoods but who are doing reasonably well in the tech industry, no kids, live in the city and don't want to move to the suburbs, have a vaguely hipster lifestyle with lots of foodie activities and travel. I have already seen this thread but it is 7 years old.
posted by matildaben on Sep 25, 2014 - 5 answers

Recommendations for SPANISH SPEAKING financial planners?

Can anyone recommend a Spanish-speaking, fee-only financial planner who works with non-rich clients, possibly in the NYC area? [more inside]
posted by copacetic on Aug 5, 2014 - 1 answer

Financial Assistance for Adding New Siding With Insulation.

I posted a question last year about safely scraping peeling lead paint from my house and repainting. Pros estimate $25-30K (yikes!). One reply suggested that "It may...be cheaper to just get rid of the old wood siding and just install some new one. If you do that, you might want to look into adding insulation; there could be programs that would provide some financial assistance." Does anyone have a suggestion as to how to find such a program? FWIW I'm in Westchester county in NY state.
posted by Quisp Lover on Jul 28, 2014 - 6 answers

How can you establish credit if you've never had a credit card or loans?

I've never been in debt, I've never had a credit card, I have money in a bank account, but today I went to look up my credit report and there was nothing in it. I'm not planning on making any big purchases in the next two years, but I'm sure eventually I'll want to buy a house or a car. How can I build up my credit, given that many places won't give me a credit card due to the fact I have no credit score? [more inside]
posted by Archibald Edmund Binns on Jul 18, 2014 - 20 answers

How do I negotiate my lease terms?

I've found a sufficient space to rent so I don't end up with a two hour commute each day. However, the terms of the lease are kinda iffy when it comes to vacating the lease early... Help me out? [more inside]
posted by Driven on Jul 14, 2014 - 21 answers

Remembrance of Financial Catastrophes Past

Asking on behalf of a friend (let's call her "Liz"): can a credit restoration company help fix a credit report with multiple charge-offs? If not, what CAN be done? Sadly drifting swirls of bleak gray snowflakes within... [more inside]
posted by julthumbscrew on Jun 24, 2014 - 9 answers

How can I protect my money in light of the coming financial collapse?

There has been a lot of talk about an imminent financial markets bubble and I find that I am heavily invested in the S&P500 through an IRA (rolled over from a 401K after I was laid off). I also have a relatively small amount invested through a standard brokerage account, but the majority is in the IRA. I don't know jack about sigma events or black swans, but I can recognize when the chatter is starting to form a cohesive message. I also know that I have a ton more exposure now than in 2009. In fact, the post crash boom years have been quite good to me. My question is obviously, is there a proven strategy to protect against a coming financial crash? At what point do I pull the trigger and put everything into bonds? Is there a hedge against a collapse? My fantasy is that I pick the right time to pull everything and then clean up post crash on rock bottom blue chip stocks. [more inside]
posted by MajorDilemma on May 20, 2014 - 14 answers

Give up financial stability to move where you'd prefer to be?

My heart says one thing, but my head says another, and I am paralyzed in making any kind of decision. I need help, thoughts, opinions, anything. [more inside]
posted by umwhat on Apr 30, 2014 - 44 answers

1.85% on 45k student loan - just pay the minimum?

So, I'm selling my house and will have some extra cash, finally. I have a consolidated student loan that after years of steady payments, has come down to a very low 1.85% interest rate. Given the current economic conditions, and an intense desire to have my money work hard for me after years of being in the doldrums, should I up the payment and try to save a tiny bit on interest? Or would it be better to stuff my IRA, or put money into a no-load fund or index? [more inside]
posted by ihavequestions on Apr 11, 2014 - 13 answers

Money & Anxiety

I'm 34 years old and I got lucky in my current job and have been able to generate way more income than I need. I have everything I want, am doing all that I can when it comes to retirement savings/putting money away. Two part question: 1) What else should I be doing to ensure financial stability forever? 2) Is it weird that I don't have a strong desire to go buy stuff/do stuff/spend excessively? [more inside]
posted by anonymous on Mar 23, 2014 - 32 answers

explain retirement to me like i'm 5.

help a girl figure some stuff out and (hopefully) not be completely SOL when she's old. [more inside]
posted by koroshiya on Mar 18, 2014 - 20 answers

How do I find a financial planner or retirement advisor?

We need a financial planner in Los Angeles. Or an advisor, I don't know the difference. Difficulty level: poorly organized procrastinators. My husband will be retiring in 3-4 years. I don't reach retirement age for several years more, though I could take "early retirement" from my company next year. Between us we have 2 pensions, 2 401Ks, 2 health insurance plans, a bit in savings bonds and a tiny IRA. We have a house that will be paid off in 3 years. And we have a lot of things we want to do in retirement. We're doing reasonably well negotiating where we'd like to live and what kind of place, but we have no idea what we can afford and/or if I can afford to retire with him. [more inside]
posted by SLC Mom on Mar 17, 2014 - 3 answers

Should I renew my life insurance policy?

My parents bought whole life insurance when I was born and it needs renewed. I was going to let it lapse, they want me to renew - do I really need life insurance? [more inside]
posted by lpcxa0 on Feb 20, 2014 - 18 answers

Help my friend find a lawyer to represent him for banking in Mexico

My friend has an HSBC Mexico account, that had about 40,000 dollars in it.. he didn't use the account for a year, he called today to get a new checkbook, and found out the account had zero balance in may of 2013, and the account was closed. HSBC Mexico said they can't give more information unless he goes in person to a branch in Mexico. He is willing to hire a lawyer, or Power of attorney, or someone to investigate this in Mexico who legally represent him. He is currently far from mexico and can't make it there any time soon. His mom is in Mexico, can she get power of attorney?

Any advice on how to do this? How can he go about finding a lawyer in Mexico who can help him? Or what actions can he take? He suspects fraudulent activity as he did login to his internet banking last year and saw all his money there.
posted by lijiaxiaoniu on Feb 20, 2014 - 2 answers

How can I write a script so that it's cheap to make?

For those who have made movies, I have heard that the cheaper you can write a movie (This is of course presuming your script is already awesome!) the greater your chances are of having it bought. I am more than happy to work creatively within such constraints, but I was wondering if there were scenes that counterintuitively cost a lot that a first-time writer wouldn't know about, and vice versa. [more inside]
posted by Sully on Jan 28, 2014 - 26 answers

Explain to me why trading stocks is a good thing

After reading stories like this, I've been wondering about the financial industry's larger role in the world. Other than the people that run the system, who benefits from the financial industry and how? [more inside]
posted by lalunamel on Jan 25, 2014 - 13 answers

My New Strategy: Advice on a relatively small student loan?

I have always paid for my school out of pocket. I need to pay for about $3,000 in school fees so I can try and finish my BA. I did the FAFSA, but my school has me on financial aid cancellation because I haven’t made ‘significant progress’ and completed my degree in the time allotted. How do I find a good, reasonable loan so I can get to the finish line and not have much debt? [more inside]
posted by Driven on Jan 23, 2014 - 18 answers

Step by step guide to get our future married house in order?

We're getting hitched! Yay! I freak out about money, and I freak out that my fiancé doesn't freak out about money as much as I freak out. Is there a good step-by-step guide you'd recommend that we can go through together to make sure we're covering all of our bases for saving for retirement, saving for other stuff, and paying down debt?
posted by ashtabula to opelika on Jan 16, 2014 - 12 answers

Important aspects of planning for your family

Hi all, Belated Happy New Year everyone! I am a 32yr old single mother of a beautiful 1yr old, and this year I’ve decided to plan ahead to help me fulfill my parenthood responsibilities to the best. We are a US middle-class family of two. Originally not from this country, I need to research several important aspects of planning for a future here. I hope to get some useful suggestions from those of you who are savvy about these things :-) [more inside]
posted by Spice_and_Ice on Jan 6, 2014 - 15 answers

Is this investing in my future or is this a stupid decision?

I've been offered to be hired where I have been a contractor. However, there is a health insurance issue that would cost me a lot of money for several months. But I would have a great retirement plan. I have nothing in savings and $100k I just consolidated in student loans, so this issue is just complicating things. [more inside]
posted by McSockerson The Great on Dec 15, 2013 - 14 answers

Reliable sources of corrective financial advice in South Carolina?

My in-laws in South Carolina, who don't have a stellar history with money, are facing some challenges that are really restricting their circumstances. They're not against cleaning up their act in terms of budgeting and being smarter about money, but don't really have a head for it. What's the best way to help from a distance? [more inside]
posted by Shepherd on Dec 5, 2013 - 6 answers

Wanted: Savvy retirement advice for a struggling youth

If I live until retirement age, I don't want to be broke. I am 24 and I want to start saving for retirement now, but I’m unsure how to go about it. I’ve heard good things about Vanguard, but I’m looking for some personal anecdotes and solid advice on how to go about this. [more inside]
posted by Driven on Dec 2, 2013 - 17 answers

Can I set up a payment distribution service without a license?

YANML-filter: Some colleagues and I are thinking of starting a service that distributes incoming payments amongst multiple recipients. So imagine something like Flattr, but instead of splitting a monthly budget between several people, you pay several people at once with a one-off payment. My question is: What do we need to do to avoid needing a Financial Services License? The answer might be 'nothing' but I'd rather not pay $$$$ to find that out, at least while other options are on the table. [more inside]
posted by cogat on Oct 20, 2013 - 2 answers

How to get good Financial Advice - Expat edition

Hi, I'm an Australian living in Asia temporarily. I've been looking for financial advice for my needs for a while, most of my cash is in a bank account in Australia and I figure I could do more with it than just have it sitting in a bank earning 3.5% interest (say for example around $30k ior so in the bank). [more inside]
posted by Admira on Oct 6, 2013 - 10 answers

How to help aging parents financially

My sibling and I (in our 40s) live in the same city; our parents (in their 70s) live in a nearby state. They are retired and in financial dire straits, due largely to various ill-advised decisions they made over the course of several decades. We need to figure out how we can help them in a way we can all live with. [more inside]
posted by anonymous on Aug 24, 2013 - 11 answers

An very unpleasant leave from my psychiatrist?

I went back to my psychiatrist to pick up a bill and a probably exchange of the Rx he just prescribed which I found is inappropriate for my medical condition. He asked me for $150 for this visit. Is it reasonable? [more inside]
posted by pack2themoon on Aug 8, 2013 - 20 answers

Help with finances during intensive college program

I've been accepted to the program of my dreams, but I'm not allowed to hold a job while in attendance, and my EFC is higher than my family can afford, so my school-determined need is too low for me to even support myself with loans. Are there any options I'm missing? [more inside]
posted by orchidgenes on Aug 4, 2013 - 17 answers

Financial planning for the poor?

I'm a formerly broke person who is beginning to become unbroke, although not without stumbling from time to time. I have a few strong goals - buy a house, get my student debt in order (not paid off - just in order), save up enough for a couple of large ($5000) purchases, improve my credit score to mortgage-minimum. I need help getting there. [more inside]
posted by Nyx on Jun 26, 2013 - 24 answers

Non profit financials

Where does one find financial statements (similiar to SEC filings) for non profit organizations [more inside]
posted by pakora1 on Jun 3, 2013 - 6 answers

Sending financial information via (unsecure) email: why not to do it

How can I misuse this bank account information? No, wait, that came out wrong. I’m looking for help justifying data security measures (at my office) for banking info. [more inside]
posted by Signed Sealed Delivered on May 29, 2013 - 9 answers

Am I being realistic?

I'm getting ready to have a possible "final conversation" about financial responsibility with my boyfriend. I just want to check in to see that I'm being realistic with today's economy. [more inside]
posted by anonymous on May 21, 2013 - 33 answers

Beating Inflation

I don't have a lot of debt or expenses, so my income keeps piling up in my checking account. Unfortunately, I don't know much about finance or investment. I want to make sure that I don't lose money year over year because of inflation, but pretty much all the CDs and savings accounts I've seen have an APY lower than the inflation rate (which is >= 1.5% according to various websites). I don't care about playing the stock market; all I want is to avoid losing my money through inaction. How do people in this situation keep up with inflation while at the same time minimizing their financial risk?
posted by archagon on May 16, 2013 - 15 answers

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